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Cigna Medical Indemnity Plans

See any licensed health care provider and use any licensed facility for covered services.

What is a Medical Indemnity Plan?

Medical Indemnity plans, also known as an Indemnity Health Plan, are health plans designed to give you choices when choosing health care providers and facilities.

Cigna Medical Indemnity plan features

  • You have the freedom to see any licensed health care provider and use any licensed facility for covered services, but you and your covered dependents must file claims to be reimbursed
  • Depending on the provider, you may have to pay for the cost of your health care services when you receive them, or you may be billed directly for any services provided
  • You don’t need referrals for specialists. Cigna may need to pre-certify hospital stays and some types of outpatient care
  • The indemnity health plan includes global emergency and urgent care coverage 24/7

Being offered a Cigna Medical Indemnity plan through work?

Use these helpful tools to help with your enrollment decisions.

Find doctors

To find providers, procedures, cost estimates, and more, search Cigna's provider directory.

Are your prescription drugs covered?

To find out which drugs are covered by your plan, use the Prescription Drug List.

Next steps for shoppers

You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.

Need help understanding how insurance plans work? To learn more, visit the Knowledge Center

Are you a new member?

If you've recently enrolled in a Cigna plan through your employer, here are next steps:

Activate your myCigna account1

Check out member programs and services

Buying a plan on your own?

This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.

Find a plan that's right for you

View Cigna Company Names

1Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.

Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).

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Disclaimer

Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

 Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details